Does Renters Insurance Cover Loss Of Food?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   It may, yes, but it is important to check with your Insurance Professional and discuss the terms and conditions of your particular policy.  In general, if food items are lost from a refrigerator or freezer as a result of a long term power outage AND the cause of that power outage is a covered peril in your policy, then there will be some coverage.  I have seen that in most cases, the amount of coverage is limited, usually to about $500.00 and of course this is subject to your deductible.

   Answered on January 8, 2014

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